Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Flowpay launched in 2020 as a Czech SME lender automating risk scoring with AI and open banking data. The company has since productized its stack as an embedded-finance API (myFlowpay) targeting partner platforms — letting SaaS, marketplaces and PSPs offer SME loans up to €100K natively. The 2026 acquisition of Tapline added revenue-based financing aimed at software/subscription businesses, broadening Flowpay from pure working-capital loans to a multi-product embedded lending platform across regulated EU markets.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #97 of 257 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/flowpay/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Flowpay in the Embedded Finance Index 2026, through their own public disclosures or Flowpay's published customer list, including Fidoo and Teya.
Flowpay is an embedded-finance provider in Lending. It ranks #97 of 257 Lending providers by linked companies.
The most-named Lending alternatives to Flowpay are Affirm (66 buyers), Klarna (56 buyers), YouLend (48 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Flowpay was founded by William Jalloul and is founded in 2020, headquartered in Prague, Czech Republic (HQ); Amsterdam, Netherlands (parent FLOWPAY B.V.).
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